EXHIBIT 1.A.(13)(nn)
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RIDER FOR TERM INSURANCE BENEFIT ON LIFE OF
INSURED SPOUSE
This benefit is a part of this contract only if it is listed on a contract data
page.
BENEFIT
We will pay an amount under this benefit if we receive due proof that the
insured spouse died: (1) in the term period for the benefit; and (2) while this
contract was in force and not in default beyond the last day of the grace
period. We will pay this amount to the beneficiary for insurance payable upon
the insured spouse's death. But our payment is subject to all the provisions of
the benefit and of the rest of this contract. The phrase insured spouse means
the Insured's spouse named in the application for this contract.
We show the amount of term insurance under this benefit on a contract data page.
We also show the term period for the benefit there. The term period starts on
the contract date.
BENEFIT PREMIUMS AND CHARGES
We show the premiums for this benefit on a contract data page. From each premium
payment, we make the deductions shown under Schedule of Deductions from Premium
Payments in these pages and the balance is the invested premium amount which is
added to the Contract Fund.
The monthly charge for this benefit is deducted on each monthly date from the
Contract Fund. The amount of that charge is included in the Schedule of Monthly
Deductions from the Contract Fund in the contract data pages.
Benefit premiums and monthly charges stop on the earliest of: (1) the death of
the Insured, (2) the death of the insured spouse, and (3) the first contract
anniversary that follows the end of the term period.
PAID-UP INSURANCE
PAID-UP INSURANCE ON LIFE OF INSURED SPOUSE
If the Insured dies in the term period for this benefit, while this contract is
in force and not in default past the last day of the grace period, and while the
insured spouse is living, the insurance on the life of the insured spouse under
the benefit will become paid-up term insurance during the remainder of the term
period. While the paid- up insurance is in effect, the contract will remain in
force. The paid-up insurance will have cash values but no loan value.
If this benefit becomes paid-up, it may be surrendered for its net cash value.
This will be the net value on the date of surrender of the paid-up insurance
plus any dividend credits. But, within 30 days after a contract anniversary, the
net cash value will not be less than it was on that anniversary, adjusted for
any dividend credits that were surrendered since then. We base this net cash
value on the insured spouse's age and sex. The insured spouse's age at any time
will be his or her age last birthday on the contract date plus the length of
time since that date. We use the Commissioners 1980 Standard Ordinary Mortality
Table. We use continuous functions based on age last birthday. We use an
effective interest rate of 4% a year.
We will usually pay any cash value promptly. But we have the right to postpone
paying it for up to six months. If we do so for more than 30 days, we will pay
interest at the rate of 3% a year. If we are asked for the values which apply,
we will furnish them.
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MISCELLANEOUS
OWNERSHIP
While any insurance is in force after the Insured's death, the insured spouse
will be the owner of the contract and will be entitled to any contract benefit
and value and the exercise of any right and privilege granted by the contract or
by us. But any insurance payable upon the Insured's death will be payable to the
beneficiary for that insurance.
BENEFICIARY
The word beneficiary where we use it in this contract without qualification
means the beneficiary for insurance payable upon the death of the Insured.
On the contract date, unless we issue the contract with an endorsement that
states otherwise, the beneficiary for insurance payable upon the death of the
insured spouse will be the Insured if living, otherwise the estate of the
insured spouse.
You may change the beneficiary for insurance payable upon the death of the
insured spouse. The request must be in a form that meets our needs. It will take
effect only when we file it; this will be after you send us the contract, if we
require it to issue an endorsement. Then any previous beneficiary's interest in
such insurance will end as of the date of the request. It will end then even if
the insured spouse is not living when we file the request. Any beneficiary's
interest is subject to the rights of any assignee we know of.
When a beneficiary is designated, any relationship shown is to the Insured,
unless otherwise stated.
MISSTATEMENT OF AGE OR SEX
If the insured spouse's stated age or sex or both are not correct, we will
change each benefit and any amount payable to what the premiums and charges
would have bought for the correct age and sex.
The Schedule of Premiums may show that premiums change or stop on a certain
date. We may have used that date because the insured spouse would attain a
certain age on that date. If we find that the issue age for the insured spouse
was wrong, we will correct that date.
SUICIDE EXCLUSION
If the insured spouse, whether sane or insane, dies by suicide within the period
which we state in the Suicide Exclusion under Death Benefits provision, we will
not pay the amount we describe under Benefit above. Instead, we will pay no more
than the sum of the monthly charges deducted for this benefit to the date of
death plus the charge for applicable taxes. We will make that payment in one
sum.
REINSTATEMENT
If this contract is reinstated, it will not include the insurance that we
provide under this benefit on the life of the insured spouse unless you prove to
us that the insured spouse is insurable for the benefit.
INCONTESTABILITY
Except for default, we will not contest this benefit after it has been in force
during the insured spouse's lifetime for two years from the issue date.
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TERMINATION OF BENEFIT
This benefit will end on the earliest of:
1. the end of the last day of the grace period if the contract is in default; it
will not continue if either extended insurance or reduced paid-up insurance
takes effect;
2. the date the contract is surrendered under its Cash Value Option, if it has
one, or the paid-up insurance, if any, under the benefit is surrendered;
3. the end of its term period; and
4. the date the contract ends for any other reason.
Further, if you ask us in a form that meets our needs, we will cancel the
benefit as of the first monthly date on or after we receive your request.
Contract premiums and monthly charges due then and later will be reduced
accordingly.
THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT DATE
The Prudential Insurance Company of America.
By /s/ SPECIMEN
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Secretary
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